Prohibits use of education, occupation, and credit score as rating factors in automobile insurance underwriting.

S 2248 prohibits New Jersey automobile insurers from using an applicant's or policyholder's education level, occupation, or credit score (including credit report details) when determining car insurance rates or assigning rating tiers. The bill directly affects all drivers applying for or renewing private passenger auto insurance in New Jersey by banning these factors from underwriting decisions. Key provisions include requiring insurers to file underwriting rules with the commissioner for approval and prohibiting them from even asking about these factors during applications. If enacted, this would prevent insurers from basing rates on these criteria, which critics argue disproportionately impact low-income and minority drivers.